Mortgage Calculator
Estimate your full monthly payment, including property taxes, insurance, mortgage insurance and HOA dues.
Your numbers
- Principal & interest
- Property taxes
- Home insurance
- Mortgage insurance (est.)
- HOA
- Loan amount
- Total interest over the loan
For illustration only. The default rate is an example, not a quote. Mortgage insurance is a rough estimate for conventional loans under 20% down; FHA, VA and USDA work differently. Your actual rate and payment depend on your credit, loan program and property.
Get your real numbersWhat goes into a mortgage payment
Your monthly payment is more than principal and interest. Most lenders collect property taxes and homeowners insurance each month through an escrow account, and add mortgage insurance if you put less than 20% down on a conventional loan (or any amount on FHA).
In California, property taxes start at 1% of the purchase price, plus local voter-approved assessments. The total varies by city and even by neighborhood across Ventura, LA, Santa Barbara and Kern counties, and newer developments with Mello-Roos can run noticeably higher. Check the tax rate for the specific property.
Want to lower the payment? Compare loan programs, or see how a better credit score can reduce your rate.
Find out what you qualify for
Book a free call with Marcos. You'll leave knowing your price range, your payment, and which loan fits. No obligation.